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Factors affecting adoption of wallet among generation x in nepal
(2025) Pathak, Nisha; Bhoj Raj Ojha
The study's primary goal is to look at the variables influencing generation X in
Nepal's use of e-wallets. Descriptive and casual research designs are employed in the
study. The study's sample size is 400. In this study, the convenience sampling method
is used to contact the sample responder. Descriptive statistics, regression analysis, and
correlation evaluation were employed in this study's data analysis. This study shows
that most respondents agree that the ease of use of E-wallet services is a major factor
influencing their adoption of E-wallet, and they also believe their level of adoption is
high. According to the correlation research, the use of e-wallets is significantly
positively correlated with perceived security. Similarly, there is a strong positive
correlation between the usage of e-wallet systems and their perceived utility.
Likewise, there is a favorable correlation between the adoption of e-wallets and
perceived ease of use. Further, social influence in E-wallet is significantly positively
related to its adoption. The results of the multiple regression analysis show that the
adoption of e-wallets is significantly positively impacted by perceived security.
Meanwhile, the adoption of e-wallets is significantly positively impacted by perceived
utility. Likewise, the adoption of e-wallets is significantly positively impacted by
perceived simplicity of use. The adoption of e-wallets is also found to be significantly
positively impacted by social influence. Based on these results, the study comes to the
conclusion that social influence, perceived utility, perceived security, and perceived
simplicity of use are all important elements affecting the adoption of e-wallets.
Keywords: Adoption of E-wallet, perceived security, perceived usefulness, perceived
ease of use and social influence
Financial education and credit card usage behavior among undergraduate students
(2025) Thapa, Monika; Jogindar Gote
This study explores the relationship between financial education and credit card usage
behavior among undergraduates students, focusing on how financial knowledge influences
responsible credit management. With the growing accessibility of credit cards to young
adults, particularly students, concerns have emerged regarding impulsive spending, debt
accumulation, and financial mismanagement. The research investigates whether exposure
to financial education—through formal coursework, seminars, or financial literacy
programs—leads to more prudent credit card usage, including timely repayments,
budgeting, and avoidance of excessive debt. A quantitative research design was employed
using structured questionnaires distributed to a sample of undergraduates students from
various faculties. The collected data were analyzed through descriptive and inferential
statistics to determine patterns in financial behavior and the impact of financial education.
The findings reveal that students who have received some form of financial education
demonstrate significantly more responsible credit card usage, showing greater awareness
of interest rates, repayment schedules, and the consequences of debt. In contrast, students
with limited or no financial education are more prone to impulsive purchases, minimumonly
payments, and poor debt management. The study highlights the crucial role of
financial education in fostering healthy financial habits among young adults. It
recommends the integration of financial literacy modules into university curricula to equip
students with essential skills for managing credit and achieving long-term financial wellbeing.
These insights contribute to the broader discourse on youth financial behavior and
support
the need for proactive educational policies in the age of increasing financial
independence and consumer access.
Financial literacy and financial resilience in nepalese stock market
(2025) Sharma, Manju; Pitri Raj Adhikari
Financial literacy plays a vital role in enhancing financial resilience, especially in
developing economies like Nepal, where limited financial education restricts informed
decision-making. This study investigates the impact of financial literacy on financial
resilience among investors in the Nepalese share market, focusing on key dimensions such
as personal savings, risk tolerance, investment options, and financial knowledge. Using a
descriptive and causal-comparative research design, data were collected from 400 investors
through structured questionnaires employing convenience sampling. Statistical analyses
including correlation and regression were conducted to examine the relationships between
financial literacy components and financial resilience.
Findings reveal a significant positive influence of financial literacy on financial resilience.
Investors with higher financial knowledge tend to make better investment decisions,
including risk management and portfolio diversification. Risk tolerance further enhances
confidence and effectiveness in managing financial shocks, while personal savings provide
a foundation for seizing investment opportunities. Access to a variety of investment options
enables investors to align strategies with individual risk preferences and financial goals.
These factors collectively contribute to improved financial resilience and better financial
outcomes.
The study emphasizes the importance of comprehensive financial education programs
targeted at retail investors in Nepal to bridge existing knowledge gaps. Policymakers and
financial institutions must prioritize such initiatives to foster a financially literate
population capable of making informed investment decisions. Enhancing financial literacy
will not only improve individual financial well-being but also support sustainable economic
growth in Nepal.
Keywords: Financial literacy, financial resilience, investment behavior, Nepalese share
market, risk tolerance